We will help you quickly select and apply for a mortgage according to your conditions. Find out how much credit you can expect. Fill out an online application and a mortgage consultant will contact you.

Online application for a mortgage

Anyone who meets the conditions of the bank can apply for a mortgage. Banks impose the following requirements on borrowers:

• experience at the last place of work from three months, while it must be continuous;
• confirmation of income for the last three to six months;
• have a good credit history (for verification, see credit history by passport online);
• no loan arrears.

If the client meets and fulfills all these requirements, then he will not have problems with a mortgage loan. Otherwise he will have to look assistance in obtaining a loan on the side - you may have to refer to credit brokers or take advantage of a suitable offer on Moscow credit bulletin board and other cities of Russia.

In order to apply for a mortgage, the client is required to provide the bank with a passport and income statement. At the same time, the application is considered within a week. If the client submits an application to a state bank, then consideration of the application in such a bank may take longer, since state banks more seriously check borrowers. Currently, you can apply for a mortgage online.

When applying for a mortgage loan, the borrower will have to face various costs:

1. Mortgage insurance. In this case, the client needs to insure his life, apartment, ownership of the apartment. At the same time, the client can make life insurance at will, other types of insurance are obligatory when applying for a mortgage loan. Insurance costs are two percent of the loan amount. Insurance must be paid every year for the life of the mortgage.
2. Loan fees. Banks often charge fees for issuing mortgages. So, for example, a bank may charge a commission for cashing money when issuing a loan. Such a commission can reach 3% of the loan amount.
3. Apartment appraisal. It should be noted that the apartment purchased by the client is secured by the bank until the client repays the entire mortgage. For this reason, the client needs to independent evaluation apartment, which he is going to buy in a mortgage. In this case, the client will have to spend up to 4,000 rubles for such an assessment.

In addition to the above costs, there are also costs for the services of notaries, payment of the state fee for the execution of a mortgage transaction. In this regard, when purchasing an apartment on a mortgage, a client needs to be aware of the possible costs and, accordingly, already plan the necessary expenses with them.

Mortgage transaction process:

1. Applying for a mortgage at a bank. Consideration of the application takes 1-2 weeks.
2. Search for an apartment and collection of documents. The client at this stage must find a suitable apartment and collect all Required documents. The bank gives the client a list of documents that need to be collected. The client (if there is a desire and time) can collect the documents himself, or contact a real estate office.
3. Consideration of documents by the bank. At this stage, the bank accepts documents from the client, analyzes them and then makes a decision on the apartment. The bank may reject this or that apartment if it is dangerous to take on a mortgage.
4. Signing of documents, registration in the registration center. This stage is accompanied by the signing of documents between the seller, the client and the bank. The seller is given a down payment. After that, the parties go to the registration center, where they fix the mortgage deal.
5. Payment of the money. After the transaction is registered, the client signs an agreement on the transfer of the entire amount of money to the seller, receives money from the bank and transfers it to the seller. The bank issues a mortgage payment schedule to the client ( loan calculator mortgage loan 2015 calculate), while the client must make a monthly payment throughout the entire term of the loan.

Thank you for your interest! An online application for a mortgage loan is sent to several partner banks at once. The minimum rate for the current day is 6% per annum.

Next, you will be redirected to the site for filling out contact details and application parameters, so that a bank specialist will contact you to clarify the main parameters and select a bank. After all the fields are filled in, you need to click on the "send application" button. The submitted application will be sent for consideration.

The term for consideration of an application for a mortgage is from 1 business day to a week. It all depends on the bank that will review your mortgage application.

Service Benefits

Applying for a mortgage online through our service has a number of significant advantages:

1. Quick feedback on the results of checking your credit rating. In a few seconds you will have an understanding of where to apply for a mortgage and the reasons possible failure. This will allow you to significantly reduce the time to select the right bank.
2. You get a whole list current offers from banks specifically for your request. You can leave an online application to a specific bank, and not “bomb” all banks at once. This increases the chance of getting a positive decision.
3. Big time savings. You do not need to go to the bank yourself. It will be possible to apply to a convenient bank after a preliminary assessment of your credit rating.
4. No additional intermediaries. Your application will be in desired bank bypassing the agency. This will avoid additional fees and commissions.
5. Percent savings. A number of banks provide additional preferences for customers who applied for loans through our service.

The experts of our project have prepared for you a number of tips that will increase your chances of approval:

1. If you get rejected after checking your credit score, don't give up. Be sure to check out our post "". There we prepared a number of practical recommendations on how to act in this situation. There are no dead ends.
2. Before choosing a bank, we recommend that you look into our service "", it contains valuable information on minimum requirements bank to the borrower and the mortgage loan.
3. Don't be afraid to apply for long term. It should be noted that the bank will assess solvency based on official income (with the exception of a number of banks). The longer the term, the less monthly payment, which means higher solvency and the likelihood of approval. Read more about this in our post "". Do you have the opportunity to do early repayment and close the loan in advance with recalculation of interest.
4. When filling out the questionnaire, be sure to indicate an initial payment of at least 15-20%. Do not write what you have - this will significantly reduce your chances of encouragement. You will learn how to get around this bank requirement from our last post.
5. Pensioners also have the opportunity to get a loan for housing and it is not necessary to work for this. Sberbank and Transcapital Bank will provide a mortgage until 75 at the end of the loan. More details about the maximum age for a mortgage and the minimum can be found in our last post.
6. The service "" works on our website, if you doubt success or you are interested in additional questions about servicing or repaying a loan, then you can ask them anonymously or in the comments.
7. If you have difficulties with paperwork or need legal assistance in choosing housing or resolving various litigations with relatives, sellers/buyers of real estate or registration authorities, we recommend that you sign up for a free legal consultation with our online lawyer in a special form.

We hope our service will help you quickly and profitably arrange a mortgage and make your dream of necessary real estate into reality. Please evaluate the work of the service and press the buttons of social networks.

All questions about the service can be asked in the comments below. To facilitate your further work with the bank, we have prepared for you information about what you need to provide in order to receive the final decision of the bank.

A repeated application for a mortgage after a refusal to the same bank is possible after two months. At the same time, it is desirable to find out the reason for the refusal and eliminate those questions that the bank had for you, as a potential borrower.

Mortgage is the most complex type of lending, which involves high costs and terms. If you decide to take a mortgage in Moscow, you should carefully consider the choice of an offer from one of the capital's banks. Vyberu.Ru has selected the most profitable mortgage lending programs and collected them on one page so that you can evaluate them without wasting time looking for and visiting bank branches.

Alternatively, you can apply for a mortgage online. Many Moscow banks have long offered their customers the opportunity to apply for a loan via the Internet. This greatly simplifies the process of obtaining a mortgage: you can get pre-approved for a loan while collecting the necessary documents.

To apply for a mortgage online, review the offers presented on the page and evaluate their benefits. For you, we have indicated the minimum loan amount, term and rate, and also listed the benefits of each program.

Before making a decision, calculate your payment schedule with our mortgage calculator. Click on the "Detailed Calculation" button. On the page that opens, in the appropriate fields, enter the amount and term of the loan you need. In accordance with the terms of the loan, the system will calculate a payment schedule for you, which will indicate the amount of monthly installments divided by the principal debt and the amount of accrued interest.

To apply for a mortgage, click on the "Apply" button in the product card. You will be redirected to a page with a form to fill out. You will need to enter the following details:

• Personal data, passport data,
• Information about employment - the name of the organization and TIN,
• The amount of income
• credit history information,
• The parameters of the desired mortgage are the loan amount and term.

Applying for a mortgage online is the basis for a bank's preliminary mortgage decision. Before submitting an application, make sure that you meet the conditions that the bank puts forward to the borrower. You must match the age, registration, salary level, length of service, etc. All these requirements are set out in the card of each product on Vyberu.Ru. The application will be rejected if it does not match.

The completed application will be sent to the bank for consideration. An employee of the organization will contact you within 1-7 days to clarify the information, report the result of the consideration of the transaction and, if you have received approval, discuss the details of the loan and the further scheme of your actions.

What is an online mortgage application?

An online mortgage application is an online version of a standard mortgage application at a bank. You can fill it out at home or at work, from a computer or mobile device carefully read the terms of the loan and calmly think it over. Online applications are usually processed faster than in bank branches.

How to apply online for a mortgage?

By choosing profitable loan on Vyberu.Ru, you can go to the application by clicking the "Details" button in the product card. You will be taken to the application page. There you will need to enter the amount, term and down payment of the mortgage you are interested in, as well as your personal and passport data and contacts for communication. You must also consent to the processing of data.

What is special about the online application?

Efficiency in filing and making a decision are the main features of an online application. You can keep busy with important matters: you can find a mortgage on Vyberu.ru, and apply for it right away on the bank’s website. This will save time and effort that you could spend at the bank branch. In addition, no one forbids you to change your mind - you can refuse a loan if you are no longer satisfied with the conditions or you find a better offer.

Which bank can I apply for a mortgage?

The development of Internet technologies makes banks move further, and more and more credit organizations offer their customers the opportunity to apply for a mortgage loan online, bypassing the queues. However, finding a truly profitable loan is still difficult. Vyberu.Ru will help with this. By selecting the “Online Application Opportunity” checkbox on the left side of the screen, you will receive a complete list of mortgage products that can be applied for online.

Can I apply to all banks at once?

You can. This will increase the chances of approval of the application - if in one credit institution you will be refused, it is likely that they will approve in another. To do this, you need to go through the list and fill out a questionnaire for each proposal. If you are approved for a mortgage in several banks at once, you can refuse those banks in which the conditions, in your opinion, are less favorable.

Online application for a mortgage in Moscow - a new level of service for many financial institutions, which was developed due to the introduction of IT-technologies. Today, there is no need to obtain prior approval from the lender by personally visiting bank branches if applying for a mortgage online in Moscow. A list of reputable ones offering customers consideration of an application via the Internet has been created on the website page.

Advantages of applying for a mortgage online in Moscow

Among the advantages of this treatment option:

• round-the-clock operation of banking sites: you can send an application at any time of the day. Your profile from the site page will be processed out of turn;
• an application can be sent from anywhere: the need for urgent receipt of funds may appear outside the home, so the ability to contact a lending bank via the Internet is beneficial (if we are talking about a promotional mortgage offer) and convenient;
• access to a large amount of information. Upon receiving a response to the application in personal communication with the lender, you can clarify questions on the loan and the possibility of obtaining a mortgage without down payment;
• online application for a mortgage in all banks - 100% guarantee of a successful contract in as soon as possible at the nearest branch.

To send an application for provision, just click the "Application" button in the line with the selected contract or fill out a questionnaire form on a special page.

For many Russians, improvement living conditions is a hard-to-realize goal, and the acquisition of new “choirs” generally remains only in dreams. Some save money, thinking that in the future they will be able to raise the necessary amount to buy an apartment or house, but their purchasing power is only reduced by inflation and spending. However, in this situation, the solution is mortgage credit lending. For such a solution to be profitable, you should know where it is better and how to get a mortgage, compare offers from Russian banks, and choose the best one.

What you need to know before getting a mortgage

Now is a good time to apply for a mortgage. By far the most affordable rates. If earlier creditors took 12-13% per annum, now there is a record low level, the cost of a mortgage loan fell to 9.50% per year. But this is not the limit. It is assumed that banks that issue mortgages will serve mortgage borrowers at 8% per annum.

Such conditions may await us by the end of 2018, and in 2019, it is quite likely that the interest rate will be reduced to 7%. Against this background, 50-80% of transactions in the residential real estate market are concluded through mortgage lending, more than 4 million people repay housing loans. Benefits are received not only by new borrowers, but also by existing ones, since financial institutions give them the opportunity to refinance existing loans.

This allows individuals to save significantly (15-20% of the monthly payment). By the way, the share of mortgage refinancing will also grow. By providing this product, banks will not bear the risks, on the contrary, they will benefit from its distribution. Mortgage refinancing will lead to a decrease in the payment, and, consequently, the credit burden on the family budget. If payment is made according to the annuity system, the savings will be about 20%.

This suggests that it will become easier for the client to repay the debt, which means that he is likely to cope with the debt obligations he has assumed. But some citizens have a question: “If everything is so good, and in the foreseeable future rates will become even lower, then maybe it’s better to take out a mortgage later?”. It is more expedient not to postpone the purchase of housing, especially when it is needed urgently.

Looking for the right offer, you may miss good option. In addition, people who managed to get a mortgage, as practice shows, repay it ahead of schedule. This means that many borrowers are able to quickly cope with debt obligations and reduce the final overpayment by several times.

How to get a mortgage loan

There are a number of other aspects in which a person who intends to get a mortgage needs to be aware, for example, the optimal loan parameters. We note right away that they are not, because. everything is individual in each case. But here are a few general tips for you:

• if you have already decided where to get a mortgage, and it remains to choose the most optimal loan program, pay attention to the size of the down payment. There is a connection between him and the rate. Usually, banks with an increased down payment reduce the cost of using borrowed funds. It is recommended to save up at least 20% to pay for the purchase of a house or apartment. This will increase your chances of getting approved. The more a person contributes at the first stage, the shorter the loan term and its cost will be. Of course, the ideal ratio of both credit funds and personal savings is 50/50. consumer credit not worth taking for these purposes. Such actions will increase your debt burden, the likelihood of delinquency, etc. Search, at least, is stupid, there are practically no such left in the mortgage market. If they are presented in a single character, there is no benefit from them. First, this high interest on credit. Secondly, - the obligatory choice of an object from a limited list of developers-partners of the bank;
• reasonably assess your financial capabilities. For borrowers living on a small salary, loan payments should not exceed 40% of family budget. For individuals with an average income, it is allowed to allocate up to 50% for a mortgage. In the case when the salary is high, you can burden yourself with a credit burden of up to 60% or more.

What are the laws governing mortgages?

The size of the monthly payment is also important for the future owner of the living space. Again, this information will be given to you by the lender himself. This payment is calculated depending on the level of your income, and cannot exceed 40-50% of the salary (after taxes). Redemption can take various forms:

• constant payments at a fixed cost of using credit funds;
• at a fixed interest rate and growing payments;
• through a variable rate.

Steps to get a mortgage

You can choose a suitable loan program with the help of a mortgage broker. Services are paid, but it will greatly facilitate the whole process for you. The specialist is looking for banks where you can get a mortgage, selects Better conditions loan, assists in the preparation of documentation. If the borrower is not ready for such expenses, you will have to do everything yourself.

The editors of the site "Take a loan!" analyzed several dozen offers from popular Russian banks and prepared a selection for you. But first, we will describe the scheme of actions necessary to be performed in order to purchase housing at the expense of credit funds. Step-by-step instruction as follows:

1. Choose from which bank you will take a loan. There are over fifty mortgage lenders in Russia. A large proportion of Russians prefer to apply for a mortgage in Sberbank. They also use the services of: VTB, Rosselkhozbank, DeltaCredit, URALSIB, etc.
2. Carefully read credit programs. The same Sberbank offers its customers:
   • mortgage for secondary housing;
   • credit for improving housing conditions;
   • acquisition of a real estate object under construction in the primary market;
   • a program designed for young families;
   • military mortgage loan;
   • purchase of land, etc.
3. At this stage, the preparation of documentation takes place. Each bank has its own requirements regarding documents, but the standard list includes: passport, application, labor, mortgage certificates (house book, object registration certificate, appraiser's conclusion, etc.), 2-personal income tax.
4. The lender issues a verdict in a few days or weeks based on scoring. If the answer is yes, the bank will tell you how much you can expect. After that, the borrower will have 1-6 months. for the final decision and signing of documents.
5. A contract of sale is concluded with the seller.
6. An initial deposit is made.
7. Insurance is being arranged. You may be asked to take out insurance: personal (life, health), title (against loss of ownership), property (against damage to the house / apartment).
8. It remains to sign a mortgage and pledge agreement, register a purchase and sale transaction. The money is credited to the seller's account within a few days.

How to get a mortgage in Tinkoff Bank

* Tinkoff Bank does not currently specialize in mortgages

Product description

Tinkoff Bank is an intermediary in issuing home loan, i.e. broker. It has partnerships with other lenders where it sends your online application for review within 2-4 days. Tinkoff helps you get a mortgage at a low rate and choose a bank with the best programs.

A personal manager works with each client, who provides support in: collecting documents, organizing a transaction, finding real estate in the primary market and a suitable insurance company. If necessary, he can advise a good realtor. By the way, in order to get a mortgage, you do not need to collect documentation for each bank. Tinkoff itself will transfer 1 package to all partners.

And he cooperates with such commercial organizations, how:

• DeltaCredit Bank;
• Orient Express Bank;
• Absolut Bank;
• Dom.RF;
• Gazprombank;
• AK BARS Bank;
• UniCredit Bank and others.

If your request is successful, 1 visit to the bank will be enough to sign the contract. To apply, you need to upload online passport and proof of income. If the borrower wants to become an individual entrepreneur, the list of his documents is longer: passport, PSRN, TIN, tax certificates and a declaration. The most acceptable conditions are set for apartments and apartments.

Those Russians who confirm income initially contribute from 20%. For a greater reduction in the rate, it is recommended to take out insurance for the health and life of the borrower. Also profitable will be: buying an apartment from developers on promotional offers, mortgages at a preferential state program. For existing debtors, mortgage loan refinancing (from 8% per annum) is suitable.

If you partially pay off your mortgage early, your monthly payment will decrease. You can find out the approximate rate by indicating the value of the property, the amount of the down payment and the amount that you are willing to pay the bank every month.

How to apply for a mortgage in UBRD

Product description

The Ural Bank for Reconstruction and Development cannot offer so much mortgage programs how many competing financial institutions. However, he has the most necessary options, as well as acceptable lending conditions. The initial mortgage rate in a new building and on ready-made housing is set at 9.30% per annum if real estate is registered with UBRD partner developers.

In both cases, the security is a pledge of the acquired object. The amount issued by the creditor can be from 300 thousand to 30 million rubles. The borrower is credited for 5-25 years. Clients interested in purchasing housing in the primary and secondary markets can apply for a mortgage under the action. There are 3 of them, but only one is selected for the loan.

Each allows you to get a discount on interest rate. If you take a mortgage under the capital, the fee will be at least 9.30% per year, and the deposit - from 10%. For those wishing to issue a loan for any purpose secured by existing real estate, its cost will be 12% per annum or more. Maximum value loan will not exceed 15 million rubles. According to its obligations, the borrower will have to fully pay off the bank for 5, 10 or 15 years.

Requirements for a borrower intending to apply for a mortgage in UBRD

Persons who are 23 years old, but not older than 70 years old at the time of debt repayment, can count on cooperation with the creditor. Mortgage is offered only to Russian citizens with permanent place work, 3 months of experience (current employment) and a total of 12 months. For pensioners, the proof of solvency is the old-age/long service pension. The monthly earnings of the future borrower cannot be less than 12 thousand rubles, and the co-borrower - 10 thousand rubles.

It is important not to have current delinquencies and more than 2 loans if you do not want to be rejected. The registration process is as follows: you consult with a mortgage specialist and submit an application on the UBRD website, after which you send the necessary documents to email bank or bring them personally to the branch. Next, you will receive a call from the manager, who, during the consideration of the application, can ask clarifying questions.

If you submit complete list documentation, the answer will be known the next day after you tried to get a mortgage. The verdict will also be announced by phone. You will be told about next steps. The client is given 3 months to select housing. He will not choose the object himself, but with the help of a personal manager. You set the date of the transaction, and for this you come to the bank's office. After signing credit documentation, an insurance contract, a loan will be issued.

How likely is it to get a mortgage at the Housing Finance Bank

Product description

There are 3 products in the line of ZhilFinance Bank. The most popular mortgage on 2 documents, since it is available to the general population, firstly, because the registration process is quite quick and simple. The second reason for the growth in demand is the low rate. If you are officially working, confirm the income, it will be 9.20%.

The initial mortgage payment is 20% of the value of the object. It is given for 1-30 years in the amount of 480 thousand to 20 million rubles. The loan is taken on the basis of copies of the passport and the second document (SNILS, driver's license, etc.). About 82% receive same-day approval for an online application. BZHF provides mortgages to persons with any credit history. The borrower becomes Russian citizen at the age of 18-65 years.

In addition to the mortgage on 2 documents, the lender gives:

• "New building" according to 2 documents. You need to lead from 20%. annual rate starts at 4.90%. They lend from 480 thousand to 20 million rubles. The object must be purchased from accredited developers;
• a loan secured by real estate (apartments/apartments) - no more than 20 million rubles. (up to 70% of the value of the object) at 10.30% and more for 1-20 years. The collateral is the apartment or apartments in the ownership in one of the cities: Moscow, St. Petersburg, Moscow Region, Leningrad Region, Krasnodar, Omsk, Novosibirsk, Krasnoyarsk, Nizhny Novgorod, Novorossiysk, Saratov, Kazan, Yekaterinburg, Volgograd. The property must be in high-rise building, be in good condition, not burdened. Served: passport, real estate documentation.

Who can apply for a mortgage to purchase real estate in Promsvyazbank

Product description

Promsvyazbank has more than 7 offers that take into account the needs and needs of the client, including Maternity Capital, a mortgage for the purchase of finished housing, in a new building. Refinancing is also provided. The maximum loan term is 25 years. The largest amount you can borrow from a lender is 30 million rubles.

The fee for using a loan depends on its type, so the range of rates is as follows: 8.70-12.70% per year or more. However, care must be taken when studying credit programs Promsvyazbank, because low interest taken from payroll clients. Also, the amount of payment for the use of credit funds depends on which bank partners you will buy an apartment from.

Such conditions apply for insurance and an initial payment of at least 20% of the value of the object. You can get a mortgage without commission. Early repayment is allowed. For those who do not want to limit themselves to the options offered by the bank's partners, you can take a targeted security loan and buy any apartment or a private house With land plot both in the primary market and in the secondary market.

Promsvyazbank also has such a program that provides for a quick conclusion of a deal with a minimum package of documents (without a certificate of employment and income) with the possibility of accounting for earnings from personal business. For individuals who intend to apply for a Secondary Market mortgage, the lender provides legal assistance assists in the organization of the purchase and sale transaction, etc.

Real estate and client insurance is carried out in the amount of 1% of the loan amount. Insurance is paid on the day you decide to take out a mortgage. It will need to be renewed annually. The requirements for the borrower are:

• Russian citizenship and permanent registration in the area where the banking unit is located;
• age 21-65 years;
• permanent income, work experience of at least 1 year (in some cases from 2 years);
• 2 valid phone numbers (one is work, the other is mobile);
• documents - application form, passport, SNILS, certificate of marital status, a document certifying employment and solvency.

How is a mortgage issued in Sberbank

Product description

Sberbank provides mortgage lending to individuals and legal entities with Russian citizenship, whose age at the time of application exceeds 21 years, at the time of return - no more than 75 years. The borrower must have a total experience of 5 years, and at the last place of work - at least six months. But if you are a payroll client, this condition will not apply. When the amount approved by the bank is not enough, it is allowed to attract co-borrowers (from 1 to 3 people, for a young family this number can reach 6 people).

Their income is also taken into account. To apply for a mortgage, documents are presented: application form, passport + one to choose from. You will also need certificates confirming the availability of income and work. If the loan is taken with collateral, you will additionally have to provide documents on collateral. Mortgages in Sberbank are given at the place where the borrower or co-borrower is registered, or in the region in which the property being financed is located.

The largest amount of the loan is 30 million rubles. Loan term can be from 20 to 30 years. The initial payment varies within 10-25% and more. The rates are different. A mortgage for a young family in Moscow is issued for preferential terms- from 5% per year. If you want to take out a mortgage to buy new apartment, should be paid every year from 7.30%.

If the borrower needs to apply for a loan for the construction of a summer house, a house, the deposit will be equal to 25% or more, interest - from 9.50% per annum, and the minimum amount of credit funds - 300 thousand rubles. Sberbank allows the client to independently choose the payment date and change it once a year. You can qualify for a mortgage if:

• fill out an application, provide a package of documents to it;
• wait for an answer. The application is considered 2-5 days. If the verdict is favorable, the bank will request documents on the property;
• sign all loan documentation;
• pass state registration.

At what percentage can I get a mortgage on an apartment in the Russian Agricultural Bank

Product description

RSHB makes it possible to buy: an apartment, a summer residence, a private house, apartments in the city, to purchase land for housing construction. For each category of client (salary, "reliable", employee of a budgetary enterprise), its own lending conditions are established.

If the goal is to buy an apartment (primary market), and the loan amount does not exceed 3 million rubles, depending on the status, the borrower will have to pay 9.75-10% per year. When it is necessary to issue a mortgage for the purchase of housing (secondary market) over 3 million rubles, the cost will be the same. But in other cases, the interest is different, the bank has a whole tariff scale. This information must be specified on the website of the lender.

Mortgage with state support families with children are provided at 4.70% per annum or more for the purchase of an apartment from a developer or for an object under construction. A couple who has a second or third child from January 2018 to December 2022 can apply for a loan. Like previous lenders, Rosselkhozbank issues loans for a maximum of 30 years.

When buying housing in a multi-storey building under a sale/share construction agreement, the borrower will be forced to pay 15%. The same applies to the purchase of a townhouse, land. If a bank client needs to apply for a mortgage on a private house with a plot, the down payment will be at least 25%, and the purchase of apartments requires a 30% deposit. Property insurance is mandatory.

The borrower is a Russian citizen over the age of 21. The upper age limit is 75 years, provided that old man will attract a co-borrower no older than 65. Registration must be on the territory of the Russian Federation at the place of residence/stay. If the client does not maintain private household plots, his experience cannot be less than six months (from the last place of work) and 12 months (general). The list of documents is standard.

Is it possible to apply for a mortgage in URALSIB for housing under construction

Product description

To become the owner of an individual residential building, apartment, you can contact URALSIB. This bank presents to our attention at least 7 mortgage programs, including refinancing. Of course, URALSIB partner clients have more attractive conditions. For housing under construction, he set a rate of 9.20% per year. Taking out a loan for real estate that is just being built is as easy as getting a mortgage on an apartment.

First, you select the necessary object, determine the terms of the loan that will suit you. Then you submit an application, the response to which is received on average in 3 days. Next, you should conclude an agreement with the bank and, ultimately, obtain a certificate of ownership. The borrower is credited for 3-30 years. You can get a mortgage in the amount of 300 thousand to 50 million rubles, the final is determined based on the level of income of the client.

The minimum initial payment - from 10%. The most expensive is a loan issued for any purpose secured by an apartment. You have to pay for it from 11.25% per annum. The family is invited to apply for a mortgage under a special program, which is valid if the spouses have 3 minor children. Then the deposit will be 20% of the property price.

The property to be purchased will be collateral. URALSIB also got a mortgage on 2 documents: a passport, a driver's license (they can be replaced with a foreign passport, SNILS, TIN). The size of the initial deposit will be at least 40%, and for all clients, regardless of category. Such conditions apply to the purchase of a new apartment (primary market).

Requirements for the borrower: Russian citizenship, age within 18-70 years. The length of service must exceed 3 months, and the life of the company in which the person works must be more than a year. URALSIB also offers to issue insurance products.

On a note

The most difficult thing is to get a mortgage for private entrepreneurs and people who receive a salary “in an envelope”. The ideal borrower is considered to be a person with an impeccable credit history, who has enough income to fulfill debt obligations, and whose financial discipline is easy to assess. This is a man of 30-35 years old, having a family, children, higher education and labor activity in the position of a middle manager or a specialist.

At the same time, the loan amount that he requests from the bank varies in the range of 2-3 million rubles. The amount of own funds intended to be paid as a down payment is about 20-30% of the property value. But individual entrepreneurs and people belonging to other categories of clients can also apply for a mortgage. Just in their case, you will have to provide the lender with a larger package of documents.

3 best bank where you can get a loan without a down payment

Responsible for current loan conditions, text editing and graphic design: Alexander Ovcharenko